Recently on one of our local newscasts, a reporter did a piece on a company that was sending out solicitations to purchase insurance coverage to pay for the damage when a water/sewer/gas line breaks between your property line and your home. (typically, these lines are called ‘service lines’ because they transport some service to you like water, gas...

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INSURING INCORRECTLY COULD BE VERY COSTLY... TO YOU! A very unsettling call came into the office last week. A homeowner wanted a quote on his home but he wanted to insure for considerably less than the replacement value. First of all, we would never do that at Sage Insurance – it would be a disservice to you. If you ever have a loss...

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The following was borrowed from a recent Clark County Credit Union newsletter.  The data was, itself, compiled by the Insurance Institute for Highway Safety in September 2011. We are often asked the question: "What car should I buy my Son/Daughter when they start to drive?" Typically, we answer with a simple 4-door, low power, with good cras...

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We've discussed this before and we will, undoubtedly, discuss it again because it is of major concern to our clients. Generally, we often don't understand why our rates go up (1) just because I moved, or (2) just because I got older, or (3) because I got a job further from my home, etc., etc., etc.  It can be frustrating for you and for us bec...

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 Some of you may have heard the words “attractive nuisance” and some of you may not. It’s a legal doctrine that means that the landowner (homeowner) may be held liable for injuries to children trespassing on their land if the injury is caused by a hazardous object or condition on the property that is likely to attract children who are una...

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In the June/July Issue of Reader's Digest there was an article titled: " 6 Insurance Policies Theat Aren't Worth the Money." They were right, and I'd like to share some of the insight with you. 1)  Accidental death and dismemberment – these policies are really inexpensive so you think you are getting something.  I remember readin...

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Liability Insurance? There’s often confusion about this particular insurance coverage. Why? Maybe it’s the word “liability” or maybe it’s because there are so many different aspects that we tend to forget the basics.  Here it is: Liability insurance protects you if you are responsible. That’s really all there is to it. Of course the operativ...

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When you talk to an insurance agent about insuring your house, condo/townhouse or if you’re buying renter’s insurance; you will usually get a question and answer sequence something like this:   Agent: “Do you have any pets?” Client:  “Yes” Agent: “What pets do you have?” Client:  “Two goldfish, a turt...

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In an earlier blog, I offered some sound advice regarding the issue of buying or not buying insurance when you rent a car.  Here is some more information you might want to investigate.  One day last week I received an offer from one of my credit card companies that was intriguing. For the total price of $24.95, the credit car...

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